How do I actually know when I should refinance? (Not when TikTok says so. Not when your buddy texts you a rate.) Most people think refinancing is about waiting for the perfect rate. That thinking quietly costs people thousands. The real question isn’t “Are rates lower?” It’s 👉 Does my loan still fit my life? Refinancing usually makes sense when: • Your income changed • Your credit improved • You bought during chaos and now things are stable • You have equity but no real strategy • You’re in a l